Is this personalized financial advice?

No. This is an educational planning tool based on your own estimates.

Do you use official tax rates automatically?

No. You provide your own marginal tax-rate estimate to keep assumptions transparent.

Can I use this if I am self-employed?

Yes. The wizard includes a self-employed toggle and planning notes for variable income.

Does this guarantee mortgage approval?

No. Mortgage approval depends on lender underwriting, documentation, and current rules.

Can I include RRSP Home Buyers’ Plan assumptions?

Yes. Enable the HBP option and review the linked HBP guide before acting.

Are contribution limits hardcoded here?

No. You enter your own available room estimates and should verify them separately.

Can I save my scenario?

Logged-in users can save to account history. Guests can keep temporary session scenarios.

How is tax refund impact calculated?

Estimated refund impact is contribution multiplied by your entered marginal rate.

Can I print the action plan?

Yes. Use Print my plan to open a clean print view for PDF export.

What should I do after getting a recommendation?

Use the linked FHSA, down-payment, and mortgage tools to validate next steps.

Registered Account Tools

Account Strategy Builder

Compare TFSA, RRSP, and FHSA with your own assumptions. Outputs are planning estimates only.

Back to guide

Important disclaimer

General information only - not tax/financial advice.

Tool

FHSA Planner

Contribution pacing

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Tool

Down Payment Planner

Savings milestones

Open

Tool

Mortgage Estimator

Affordability check

Open

Tool

Home Buying Hub

Full planning workflow

Open

Tool

HBP Guide

RRSP home-withdrawal rules

Read

Quick decision wizard

Step 1 of 4

Primary goal Timeline years Province (optional)

Save, Compare, and Print

Guest session save mode

TFSA

32.7%

RRSP

33.1%

FHSA

34.2%

Account	Split	Contrib timeline	Est. tax savings	Home-access est.	Projected value
TFSA	32.7%	CAD 23,544.00	CAD 0.00	CAD 23,544.00	CAD 23,544.00
RRSP	33.1%	CAD 23,832.00	CAD 7,149.60	CAD 0.00	CAD 23,832.00
FHSA	34.2%	CAD 24,624.00	CAD 7,387.20	CAD 24,624.00	CAD 24,624.00

Home-buying intent is active, so first-home aligned accounts are prioritized before retirement-only positioning.
Your estimated marginal rate suggests stronger immediate deduction leverage from RRSP/FHSA contributions.
Your default order currently resolves to: FHSA -> TFSA -> RRSP.

Account Strategy Builder

Important disclaimer

FHSA Planner

Down Payment Planner

Mortgage Estimator

Home Buying Hub

HBP Guide

Save, Compare, and Print

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